How-To Guides
Practical guides to EMIs, reward redemptions, lounge access, fee waivers and getting more from your cards.
2070 posts · Page 126 of 173
How-To GuidesRailway lounge access with credit cards: the sleeper perk nobody talks about
Everyone fights over airport lounges. Meanwhile, at railway stations across India, there are quiet air-conditioned rooms with buffet meals, unlimited tea and coffee, Wi-Fi and clean washrooms — and a long list of credit
How-To GuidesLounge guest policies and plus-one rules: the fine print that ruins free trips
Your lounge access is sorted. Then your spouse, your parent or your friend joins the trip — and the free lounge visit turns into a surprise bill at the door. Guest and plus-one policies are the least-read, most-punishing
How-To GuidesPriority Pass vs Visa/Mastercard lounge access: how each programme really works
Ask ten Indian travellers how they got into an airport lounge and you'll hear two completely different answers: "I swiped my Visa" and "I used my Priority Pass." These are not the same thing, they don't work at the same
How-To GuidesAirport lounge access with credit cards: the complete beginner's guide
If you have never walked into an airport lounge, the idea sounds simple: show your credit card, get in free, eat for free, sit in a comfortable chair. In 2026, that picture is still broadly true — but the plumbing behind
How-To GuidesFuel surcharge waiver on credit cards: how it really works, with the maths
Every fuel credit card in India advertises a "fuel surcharge waiver", and almost nobody explains what it actually is. It is not a discount on petrol. It is not cashback. It is a refund of a specific fee that appears on y
How-To GuidesCharges on UPI credit card payments: MDR, interchange, and merchant surcharges explained
"Is UPI still free?" is the most-asked payments question of October 2026 — and the answer depends on who you are: consumer, merchant, or bank. This guide explains every charge in the UPI credit card chain: MDR, interchan
How-To GuidesWhat is a UPI credit card? How UPI on RuPay credit cards works
A UPI credit card is a credit card — usually issued on the RuPay network — that you link inside a UPI app and pay with by scanning any UPI QR code. The bill arrives on your credit card statement like any other card purch
How-To GuidesBeginner Myths: Students, First Jobs, and Starting Credit Right
Your first credit card sets habits — and a credit history — that follow you for years. Unfortunately, beginners receive the worst advice of all: cautious to the point of harmful, or reckless to the point of expensive. He
How-To GuidesSecurity Myths: Chips, OTPs, and Contactless Safety
Card security advice is a mix of solid RBI-mandated protections and folk wisdom that stopped being true a decade ago. Knowing which is which determines whether your precautions actually protect you — or just make you fee
How-To GuidesOwnership Myths: Debit vs Credit, Annual Fees, and Everyday Safety
Once the card is in your wallet, a second wave of myths takes over — about whether debit would have been safer, what annual fees really cost, and how to handle cards you barely use. These myths shape daily habits, so get
How-To GuidesApplication Myths: Multiple Cards, Rejections, and Approval Truths
Applying for a credit card feels like a test with secret marking. Myths fill the vacuum — about how many cards you can hold, what rejections do, and what "pre-approved" really means. Here's how applications actually work
How-To GuidesRewards Myths: Why Points Are Not Free Money
Reward points feel like a game you win just by spending. That feeling is the product of careful marketing. Points have real value — CardBuzz exists partly to help you maximise it — but the myths around them lead people t